Property Tax Accountants
Across Chester, Wirral & Liverpool
Maximise your net rental yields and eliminate tax season friction. Our ACCA chartered certified accountants manage your annual property accounts, Section 24 mortgage interest relief calculations, SPV limited company structures, and HMRC Making Tax Digital (MTD) compliance across Chester, the Wirral, and Liverpool—with transparent fixed monthly retainers from £65/month and zero added VAT.
Tailored Property Tax
& Portfolio Solutions
Managing property portfolios across Chester, Wirral, and Liverpool shouldn’t mean losing weekends to spreadsheets or risking HMRC penalties. We actively claim every allowable expenditure and finance relief to maximise your net rental yields—operating with transparent fixed monthly fees and zero added VAT.
Making Tax Digital (MTD)
- Threshold Preparation: Complete digital filing for gross rental income exceeding statutory HMRC thresholds.
- Direct Cloud Licensing: Seamless setup in Xero or FreeAgent under your 100% direct legal ownership.
- Quarterly Updates: End-to-end reconciliation and secure electronic filing of all mandatory quarterly summaries.
Property Tax Returns
- Allowable Expenses: In-depth auditing of management costs, repairs, utility allowances, and renewals.
- Statutory Filings: Precision calculation and digital submission of SA100 Self-Assessments and SA105 property schedules.
- Penalty Elimination: Strict timeline controls and proactive workflows preventing late-filing surcharges.
Section 24 Strategy
- Finance Cost Relief: Strategic calculation of the 20% tax reducer to legally protect net cash distributions.
- SPV Incorporation: Mathematical modeling to evaluate acquiring or transferring properties via Limited Company SPVs.
- Yield Maximisation: Portfolio-wide tax diagnostics designed to mitigate higher-rate bracket creep.
Capital Gains & SDLT
- 60-Day Disposals: Rapid computation and digital filing of UK residential property capital gains returns within statutory limits.
- Pre-Sale Relief Claims: Strategic application of Private Residence Relief (PRR) and capital enhancement costs.
- SDLT Calculations: Precise surcharge evaluations and Multiple Dwellings Relief appraisals for portfolio acquisitions.
How We Maximise
Your Property Portfolio Yields
We specialise in helping landlords across Chester, Wirral, and Liverpool navigate UK property tax with complete ease. Our proactive advisory goes far beyond standard annual compliance—with zero added VAT on our fees, rigorous Section 24 mortgage relief planning, and exhaustive allowable expense claims, we safeguard your profits and protect your net rental returns.
Every Allowable Expense Claimed
We rigorously audit your rental ledgers and tenancy statements to ensure every permissible expense is captured, immediately lowering taxable rental profits and unlocking cash flow.
-
Maintenance & Compliance: Complete deduction of property repairs, gas safety checks (CP12), electrical inspections (EICR), EPCs, and letting agent commissions.
-
Travel & Administration: Allowable business mileage for property inspections, landlord portfolio insurance, ground rents, and service charges.
-
Replacement of Domestic Items: Strategic statutory claims for replacement furniture, carpets, and white goods under HMRC’s specific property rules.
Section 24 Tax Strategy & SPVs
We navigate mortgage finance restrictions under Section 24, delivering comparative numerical modeling to identify whether an SPV Limited Company structure genuinely enhances net yields.
-
Personal vs. SPV Modeling: Precise comparison of 19% small profits Corporation Tax versus personal higher-rate (40% / 45%) finance relief restrictions.
-
Tax-Efficient Cash Extraction: Structuring Director’s Loan repayments, dividend thresholds, and reinvesting gross rental revenue for portfolio expansion.
-
Incorporation Diagnostics: Specialist guidance on transferring existing holdings while managing Stamp Duty (SDLT) and Capital Gains Tax (CGT) implications.
Seamless MTD for ITSA Transition
We manage your complete transition to HMRC’s Making Tax Digital regime, overseeing quarterly digital filings so you never incur automated late-submission penalty points.
-
Quarterly Digital Filings: End-to-end reconciliation and submission of all four quarterly updates plus the Year-End Final Declaration.
-
Digital Linking & Software Setup: Direct integration with certified platforms (Xero) under your 100% direct legal software ownership.
-
Penalty Exemption Management: Continuous statutory monitoring ensuring timely submissions to eliminate surprise HMRC surcharge notices.
Transparent, Fixed-Fee
Landlord Packages
We believe expert property accounting should never come with surprise bills. Our transparent monthly retainers give you absolute certainty, knowing your statutory HMRC compliance, SA105 filings, and allowable expense deductions are proactively managed with zero added VAT across Chester, Wirral, and Liverpool.
Whether managing a single buy-to-let, growing a regional portfolio, or requiring our dedicated MTD Compliant package for qualifying gross rental income over £50,000 (and proactive investors over £30,000 preparing for April 2027), choose your tier below.
Because residential property landlords cannot reclaim VAT on accountancy fees, traditional practices charging standard-rate VAT cost you an extra 20% on top. At Phillips & Co, our Essential package is exactly £65/month with zero VAT added—delivering an immediate 20% net saving every single year.
Essential
Core Landlord Compliance
- Annual property accounts for 1 to 2 rental units
- One individual Self-Assessment return (SA100 / SA105)
- Dedicated senior accountant & proactive tax reminders
- Exhaustive allowable property expense claim review
Portfolio
Growing Landlord Portfolios
- Annual property accounts for 3 to 5 rental units
- Includes all features from the Essential tier
- Certified integration with your direct software setup
- Multi-unit rental yield & expenditure apportionment
MTD Compliant
Complete Digital Peace of Mind
- Includes all features from the Portfolio tier
- All 4 mandatory quarterly MTD digital updates filed
- Live cloud ledger integration under your direct ownership
- Year-End Final Declaration & automated audit defense
Important Package & Software Operational Terms
Standard packages cover up to 5 properties. For portfolios of 6 or more units, simply add +£15/month (No VAT) per additional property unit.
Fixed-fee compliance assumes records and bank feeds are maintained. If historical transactions require cleanup, a one-off Bookkeeping Rescue fee applies.
Software subscriptions (e.g. Xero) are held directly by the client to guarantee 100% direct legal data ownership with zero vendor lock-in.
Standalone One-Off Property Services
Need expert guidance for a specific capital transaction without an ongoing monthly retainer?
60-Day Residential CGT Return
Sold a buy-to-let property? We compute your capital allowances, relief entitlements, and submit your mandatory 60-day HMRC disposal return to eliminate costly late penalties.
Property SPV Company Formation
Incorporation structured with precise lender-approved SIC codes for buy-to-let mortgage financing. Includes statutory Companies House registration and memorandum setup.
Section 24 Portfolio Tax Review
A comprehensive, mathematically modelled diagnostic comparing personal holding against SPV Limited Company models. 50% credited back (£125) if you join a monthly package.